I must disagree with a bunch of these.

Many highly-paid and wealthy doctors, lawyers, and bankers, were only able to make their breakthrough because of their higher education. You don't hear of too many Ph.Ds waiting in the lobbies of temp agencies in hopes to find a 2-day assignment to make ends meet.

Gadgets can be invaluable if you have a career in tech. I bought an iPhone and an Android, at the same time, because it helps me in my career.

High quality clothes are critical for making a good impression. If you have a fancy dinner, you better have tailored clothes. If you want to network with money, you should have at least a foundational knowledge of what to wear to stand out - whether it be San Francisco or Dubai.

Daily Takeout can save time. Google founders hired their own private chef. Certainly more expensive than fancy takeout.

Physical fitness is critically important. A fit entrepreneur will beat out a couch potato entrepreneur, all other things being equal, every single time.

Subscriptions are similarly very useful, albeit situational. I don't know what I would do without my Spotify subscription. Playing YoYoMa for 5 hours without commercial interruption really helps me get things done.

Vacations clear my mind, provide opportunities for me to meet and network with new people, and expand my cultural awareness in ways that can benefit my business.

I will agree with you on credit card debt and expensive furniture. But you make it seem like the only way to succeed financially in life is to be an ascetic. This is absolutely not true, and the most successful people I know spend prolifically and seemingly frivolously on at least 1 area in their lives.